Acquisition Underwriting Model — All-Industry Bundle

For buyers screening across sectors — which is most searchers in their first six months.

Six complete Excel models. The general Acquisition Underwriting Model, plus five industry editions, each with add-back lines worded for how that trade actually keeps books, capex and working capital defaults that match how it consumes cash, a fully worked example deal, and a ten-point Industry Diligence checklist specific to the sector.

Bought separately: $6,597. Here: $2,995.

WHAT'S INCLUDED

Acquisition Underwriting Model — general edition, for any trade

HVAC & Plumbing Edition — maintenance agreement analysis, fleet replacement capex, licence transferability

Landscaping & Lawn Care Edition — seasonal cash trough, equipment cycle, snow revenue variance

Commercial Cleaning Edition — contract cancellation terms, churn, the weekly-payroll-against-45-day-receivables gap

Auto Repair Edition — lease assignment, technician capacity, environmental exposure

Med Spa & Aesthetics Edition — deferred revenue on unredeemed packages, provider concentration, device obsolescence

THE SAME ENGINE IN EVERY FILE

SDE normalization from reported net income through to the earnings you actually buy, after a market-rate manager salary. Sources and uses with SBA compliance checks. SBA 7(a) monthly amortization with correct full-standby seller note treatment. Five-year projections. DSCR year by year against the 1.25x lender threshold, plus the maximum purchase price your cash flow actually supports. Equity IRR and MOIC. A one-page summary you can put in front of a lender.

THE RULES THAT END MOST STRUCTURES

Every model encodes SOP 50 10 8. The 10% minimum equity injection on total project cost, restored in June 2025 and not waivable on a change of ownership. Seller notes crediting toward that injection only on full standby for the entire life of the SBA loan, and only up to half of it — the rule that killed zero-down acquisitions. Correct guaranty fee tiering across the $150,000 and $700,000 thresholds. Three pass/fail tests that tell you whether the structure is allowed before you take it to a lender.

WHO IT'S FOR

Searchers evaluating deals across multiple trades, and advisors, brokers or lenders who underwrite in more than one sector.

WHAT IT ISN'T

Financial models, not advice. Not quality of earnings reports, not certified valuations, not tax or legal counsel. Sector multiple ranges are conventional rules of thumb, not market data — verify against comparable transactions in your geography. Rates and program rules current to November 2026; confirm with your lender.

FORMAT

Six Excel (.xlsx) files delivered as a single .zip. Instant download.